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Question 5830

Does mandatory insurance cover injuries to the driver of the insured vehicle?

  1. Yes, in all cases.
  2. No.
  3. Yes, except when the driver is the policyholder.
Show answer and explanation

Correct answer: No.

No. A vehicle's mandatory insurance covers the damage its driver causes to others, never the driver's own injuries, whether or not the driver is the policyholder. If another vehicle causes the accident, that vehicle's insurance compensates the driver.

Real Decreto Legislativo 8/2004, de 29 de octubre, por el que se aprueba el texto refundido de la Ley sobre responsabilidad civil y seguro en la circulación de vehículos a motor